认清信用卡业务本质科学管理信用卡风险

信用卡是今后带动银行利润增长的主要动力之一,成为银行业特别是外资银行竞相涉足的业务领域。面临激烈竞争,要想使信用卡业务得以持续、健康发展,必须认清信用卡业务本质,科学管理信用卡风险。信用卡业务本质是资产业务,资产业务就存在风险,因此风险管理是信用卡业务的核心。只要正确树立风险管理观念,遵循“大数法则”,将风险管理贯穿业务全流程,风险是可以预见和控制的。

Management of the Risk of Credit Card Scientifically by Rightly Recognizing the Business Essence

The credit card industry,which will be one of the main drives that could increase the bank's profit, is becoming the development focus for the banks and especially foreign banks. Facing the incisive competition, we could make the credit card industry continuous and healthy development on the condition that we had understood the essence of it and manage the risk scientifically. The essence of the credit card industry is asset business, and the asset business should have the risk, so risk management is the central business of the credit card industry. If we had to establish right risk management concept,and obey the Law of Large Numbers, centralize the risk control, make risk management throughout the whole business process, then the risk could be predictive and controlled.